Standard Bank s range of credit card offerings are designed to fit into your lifestyle and life stage, no matter what Next you are pursuing.

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1 Credit Card 2019 PRICING GUIDE BANK BORROW SAVE EARN INSURE FRINGE BENEFITS OR MAJOR BENEFITS? Standard Bank s range of credit card offerings are designed to fit into your lifestyle and life stage, no matter what Next you are pursuing. Over the past year, Standard Bank has added various value-added services to your credit card account, such as: AlwaysOn Wi-Fi data. Visit alwayson.co.za/mastercard for more info. Access offers on the Mastercard Buy 1 Get 1 app. Download from the Google Play Store or Apple App Store. Up to 35%* off Emirates flights. Book through info@leisuredesk.co.za or Ster-Kinekor movie benefit, buy 4 tickets and only pay for 3*. Visit sterkinekor.com for more info. In addition, the new Standard Bank app lets you take advantage of its great built-in features, like international travel notifications, lost and stolen card ordering, control of POS, cash and online payments. Standard Bank constantly strives to enhance its credit card offerings in a way that brings you greater convenience and freedom while you work towards your Next. To continue providing you with exciting value-added services and features, an inflation-related price increase will come into effect as of 1 January

2 WHAT VALUE-ADDED SERVICES WILL I GET WITH MY ACCOUNT IN 2019? Each tier, from Gold to the World Citizen Credit Card, comes with its own particular set of value added features: Gold: automatic basic travel insurance when you book and pay your public conveyance ticket with your credit card. Get up to 35%* off the base fair off Emirates flights when you book through LeisureDesk. Buy 4 movie tickets and only pay for 3* at any Ster-Kinekor cinema. Buy 1GB of AlwaysOn Wi-Fi for a once off fee of R19 and get 11GB FREE. 1GB per month, valid for 12 months Titanium: 1 free visit a month to CafeBlue lounge at OR Tambo International Airport lounge. Get up to 33%* off online purchases on Wine-of-the-Month Club. Enjoy up to 15%* off lifestyle experiences with Celestial Gifts Experiences. Get up to 15%* off AVIS car rentals and complimentary upgrade with every rental, worldwide. Shop with confidence with robbery insurance and Purchase Protection cover from Mastercard. Automatic basic travel insurance when you book and pay your public conveyance ticket with your credit card. Platinum: 12 visits a year to Bidvest lounges, 4 visits a month to Library lounges and unlimited visits to CafeBlue at OR Tambo International Airport Complimentary Silver Legacy Lifestyle Membership. Enjoy a world of luxury shopping and exclusive offers at 9 shopping villages in Europe with The Bicester Shopping Village Collection. Get up to 33%* off online purchases on Wine-of-the-Month Club. Enjoy up to 15%* off lifestyle experiences with Celestial Gifts Experiences. Get up to 15%* off AVIS car rentals and complimentary upgrade with every rental, worldwide. Shop with confidence with robbery insurance and Purchase Protection cover from Mastercard. Automatic basic travel insurance when you book and pay your public conveyance ticket with your credit card. Professionals: Low interest rate of prime-0.25% 12 visits a year to Bidvest Lounge and unlimited visits to CafeBlue at OR Tambo International Airport Get up to 15%* off AVIS car rentals and complimentary upgrade with every rental, worldwide. Enjoy a world of luxury shopping and exclusive offers at 9 shopping villages in Europe with The Bicester Shopping Village Collection. Get up to 33%* off online purchases on Wine-of-the-Month Club. Enjoy up to 15%* off lifestyle experiences with Celestial Gifts Experiences. Shop with confidence with robbery insurance and Purchase Protection cover from Mastercard. Automatic basic travel insurance when you book and pay your public conveyance ticket with your credit card. The World Citizen: Access to a 24/7 world travel concierge assist line. 24 visits a year to international and local lounge access through LoungeKey or Bidvest, 8 visits a month to Library Lounge and unlimited visits to Standard Bank CaféBlue at OR Tambo Airport. Exclusive 2-for-3 nights offers at participating SPG Hotels & Resorts properties across the Middle East and Africa. Access to Virtuoso benefits at hotels when you do your travel booking through LushEscapes. Discounts of up to 15% at luxury serviced apartments with Oakwood properties, onefinestay and Fraser Suites. Get access to front row seating and other complimentary benefits at the Dubai Opera. Complimentary Gold Legacy Lifestyle Membership. Get up to 33%* off online purchases on Wine-of-the-Month Club. Enjoy up to 15%* off lifestyle experiences with Celestial Gifts Experiences. Get up to 25%* off AVIS car rentals and complimentary upgrade with every rental, worldwide. Shop with confidence with robbery insurance and Purchase Protection cover. Automatic basic travel insurance when you book and pay your public conveyance ticket with your credit card. *Terms and conditions apply. Notes: Cover some or all of your outstanding credit card debt with a credit card protection plan in the event of death, disability or severe illness. For more information call For Value Added Services, please visit for Terms and Conditions. 2

3 CONSUMER CREDIT CARD FEES MONTHLY SERVICE FEES Blue and Access including all Accelerate, Kaizer Chiefs, Orlando Pirates, Achiever and Mastercard unembossed credit cards Gold card Monthly service fee Secondary card Consolidator Gold card Titanium card standalone Platinum card standalone Professionals card World Citizen Credit card standalone Ex-istore credit cardholders World Citizen Secondary Credit card All other secondary credit cards Fee is included in Current account bundle Fee is included in Current account bundle R35,00 R20,00 R20,00 MONTHLY CARD FEE (ONLY APPLICABLE TO STANDALONE CREDIT CARDS) Monthly card fee* Gold, Blue and Access including all Accelerate, Kaizer Chiefs, Orlando Pirates, Achiever and Mastercard unembossed credit cards R14,00 Titanium standalone R29,00 Platinum standalone R49,00 World Citizen standalone R215,00 GARAGE CARD MONTHLY SERVICE FEES Garage Card Linked to current account Linked to Mastercard Standalone DEPOSITS R45,00 Cheque deposits R45,00 post dated cheque deposit R125,00 Cash deposit 1 free per statement cycle thereafter R2,20 per R or part thereof R8,50 + R2,20 per R or part thereof Notes: Monthly card fee: this fee covers the costs of providing, administration and maintenance of all the value-added services and features associated with the card. Monthly Service fee: means the fee (inclusive of VAT) levied by us in connection with the routine administration costs of maintaining this Credit Facility, which forms part of the Principal Debt. 3

4 CASH WITHDRAWALS Cash withdrawals R2,25 per R or part thereof R45,00 + R2,25 per R or part thereof Cash advance fee on casino chip purchases R2,25 per R max. R55,00 Other banks cash withdrawals R9,00 + R2,25 per R100,00 or part thereof International cash withdrawals PAYMENTS R45,00 + R2,25 per R100,00 or part thereof + international transaction fee Inter-account transfer Account payment Online R4,00 R60,00 Online R4, % max. R25,00 R60,00 POINT OF SALE Card purchases Purchases only Purchases with cash back R2,25 Cash back only R2,25 PREPAID RECHARGE Prepaid airtime, SMS, data Prepaid electricity INFORMATION FEES, mobile app, Internet banking, mobile app, Internet banking without slip R1,20 R1,50 Balance enquiry print R1,60 R8,00 Other bank s R9,00 Voucher Retrieval and invalid dispute fees Provisional statements Local R75,00 International R255,00 R7,00 R27,00 4

5 30 days R30,00 60 days R60,00 90 days R90,00 Transaction history branch 120 days R120, days R150, days R180, days R210, days R240, days R360,00 PAYMENT CONFIRMATION SMS R1,20 R1,20 Fax R7,00 PENALTY FEES Honouring fee Default administration fee (after 60 days of delinquency) Late payment fee OTHER FEES Only applicable to cards opened before 1 June 2007 Applicable to cards opened after 1 June 2007 Only applicable to cards opened before 1 June 2007 R145,00 R60,00 R160,00 PIN reset at branch R 5,30 Special clearance of cheques deposited R125,00 Bank cheque issued R125,00 POS decline R9,00 cash decline fee R3,00 cash decline fee at other bank s R 9,00 E-commerce decline fee R 6,00 International transaction fee 2.75% of rand value Garage Card fuel transaction fee R6,00 NEW CARD FEES AND CARD DELIVERY FEES Initiation fee - all credit cards R175,00 Card replacement fee - local R138,00 (Express delivery) to branch or Face to Face delivery R430,00 Face to Face card delivery R160,00 Notes: An International transaction fee of 2.75% (of the rand value of the transaction) will be billed for any purchase and cash withdrawals done at merchants/stores/service providers located outside of South Africa 5

6 WORLD ELITE CREDIT CARD FEES MONTHLY FEES Monthly service fee GARAGE CARD MONTHLY SERVICE FEES Garage Card DEPOSITS Cheque deposits Cash deposits CASH WITHDRAWALS Cash withdrawals Cash advance fee on casino chip purchases Wealth and Investment World Elite Credit card Secondary card Linked to current account Linked to Mastercard R2,25 per R100,00 or part thereof, R55,00 (max.) Other banks cash withdrawals R9,00 + R2,25 per R100,00 or part thereof International cash withdrawals PAYMENTS Inter account transfer Account payment POINT OF SALE Online Online Purchases only R45,00 + R2,25 per R100,00 or part thereof + international transaction fee Card purchases Purchases with cash back R2,25 Cash back only R2,25 PREPAID RECHARGES Prepaid airtime, SMS, data, electricity INFORMATION FEES Balance enquiry, mobile app, Internet banking without slip print Other bank s R9,00 Provisional statements 6

7 30 days R30,00 60 days R60,00 90 days R90, days R120,00 Transaction history branch 150 days R150, days R180, days R210, days R240, days R360,00 PAYMENT CONFIRMATION SMS Fax Fee Included In bundle PENALTY FEES Honouring fee Default administration fee (after 60 days of delinquency) Late payment fee OTHER FEES PIN reset at branch Internet subscription fee Only applicable to cards accounts opened before 1 June 2007 Applicable to cards opened after 1 June 2007 Only applicable to cards opened before 1 June 2007 R145,00 R60,00 R160,00 Bank cheque issued R125,00 Special clearance of cheques deposited R125,00 POS decline R9,00 cash decline fee R3,00 cash decline fee at other bank s R9,00 E-commerce Decline Fee R6,00 Post dated cheque R125,00 International transaction fee Voucher Retrieval and invalid dispute fees 2.75% of rand value Local R75,00 International R255,00 NEW CARD FEES AND CARD DELIVERY FEES Initiation fee - all credit cards Card replacement fee local 1st free, thereafter R135,00 Same day card replacement (Express delivery) to branch or Face to Face delivery Face to Face card delivery Notes: An International transaction fee of 2.75% (of the rand value of the transaction) will be billed for any purchase and cash withdrawals done at merchants/stores/service providers located outside of South Africa 7

8 BANKING SERVICES SnapScan SnapScan is an innovative app that lets you pay for goods with your smartphone. Tap to Pay TM Buying small items on the run has just become faster with your Mastercard contactless card from Standard Bank. Waste no time when you pay for purchases up to R500,00. MasterPass Shopping online on your computer, tablet or smartphone is easier and more secure with MasterPass. UCount Rewards Join our rewards programme for just R24,00 a month or R288 annually and collect rewards points* every time you shop with your Standard Bank Cheque, Debit or Credit Card. App for Smartphones or Tablets You decide where and when you need to do your banking. Simply open the secure banking app on your smartphone or tablet. For more information, please contact your nearest branch. CONTACT US General customer enquiries South Africa: * International: *Standard call rate apply Lost or stolen cards: / information@standardbank.co.za Internet: Cellphone Banking: *120*2345# Fraud: / *Fees effective from 1 January 2019 (Including VAT). SBSA Disclaimer Our products and services, and the terms under which they are offered, may change. We will inform you within a reasonable time of these changes. It is in your interest to read your contract carefully. If you have any questions or need more information, please contact your branch. Standard Bank subscribes to the Code of Banking Practice. Please ask your branch for details. Standard Bank supports the Ombudsman for Banking Services Sharecall number *Terms and conditions apply standardbank.co.za/whatsyournext Authorised financial services and registered credit provider(ncrcp15). The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Moving Forward is a trademark of The Standard Bank of South Africa Limited. GMS /18 Standard Bank Insurance Brokers is an authorised financial services provider (FSP 224). 8